Federal credit union · Pearl River, New York · NCUA charter #4480
PALISADES
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $204.8M
- Total assets
- 13,727
- Members
- 9.2%
- Net-worth ratio
PALISADES scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $204.8M; members 13,727; net-worth ratio 9.21%; health rank #1,716 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,716 of 4,374 health · 2025Q4PALISADES · health 87/100 · $204.8M · 2025Q4
- BOOK 87/100
- CHARTER 9.2%
- NCUSIF 0.95%
- CAMELS 0.25%
- HEALTH $204.8M
- NW 13,727
- DELQ #1,716/4,374
- ROA Frontier Community
- ASSETS 4480
Call Report peers
PALISADES in the assets neighbourhood
PALISADES's $204.8M assets sit next to Frontier Community ($204.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PALISADES vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
PALISADES - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #4480 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
PALISADES: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 89.02% vs peer 72.20% (+16.82 pp).
- Largest lag: Net Worth Ratio at 9.21% vs peer 12.11% (-2.90 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
PALISADES in New York
- Health composite ranks #100 of 272 among scored New York credit unions.
- New York assets place: #57 of 272.
- Membership ranks #57 of 272 among New York CUs with a reported count (13,727 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for PALISADES
PALISADES: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $204.8M (2025Q4) to $207.0M (2026Q1).
- Net-worth ratio shifted -0.13 pp (9.34% → 9.21%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.21% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 28.0 pts
- Delinquency Rate 20.5 pts
- Return on Assets 11.2 pts
- Member Growth 12.1 pts
- Loan-to-Share Ratio 15.2 pts
PALISADES health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.21% | -2.90 pp |
| Delinquency Rate | 0.95% | +0.06 pp |
| Return on Assets | 0.25% | -0.37 pp |
| Member Growth | 2.58% | - |
| Loan-to-Share Ratio | 89.02% | +16.82 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
PALISADES filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $207.0M | - |
| 2025Q4 | $204.8M | 13,727 |
| 2024Q4 | $204.1M | 13,382 |
| 2023Q4 | $208.2M | 13,377 |
Credit Union Details
- Charter Number
- 4480
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Pearl River
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, PALISADES runs 4 offices in 4 different cities.
| Office | City |
|---|---|
| Pearl River (Main Office) | Pearl River, NY |
| Nanuet | Nanuet, NY |
| New City | New City, NY |
| Orangeburg | Orangeburg, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Cross-state Call Report peers for PALISADES
Two NCUA Call Report peer sets for PALISADES, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($204.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- PALISADES ranks #1,716 of 4,374 nationally on financial health and #100 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ontario Shores is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ontario Shores
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is PALISADES financially healthy?
A 9.21% net worth ratio and a 0.95% delinquency rate feed into PALISADES's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,716 of 4,374; by total assets it ranks #1,261 of 4,374 nationally (same basis as /rankings/largest); and #57 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does PALISADES compare to other credit unions?
On PlainCU's health composite, PALISADES lands at 87/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join PALISADES?
PALISADES operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact PALISADES directly for the exact boundaries and application steps.
Is my money safe at PALISADES?
Federal credit unions like PALISADES are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. PALISADES's net worth ratio of 9.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PALISADES offer compared to banks?
Credit unions like PALISADES are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact PALISADES directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.